Best Empower Personal Finance Apps

249+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated August 2026

Every iPhone needs a few good empower personal finance apps. We benchmark 249+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Empower Personal Finance Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Empower ®Empower ®Free4.8★ (400K)NoNoAug 2026
2Beyond FinanceBeyond FinanceFree4.9★ (18K)NoNoAug 2026
3Upgrade - Mobile BankingUpgrade - Mobile BankingFree4.9★ (80K)NoNoAug 2026
4Beem: Cash Advance & BankingBeem: Cash Advance & BankingFree4.2★ (31K)NoNoAug 2026
5Self - Credit Builder & CardsSelf - Credit Builder & CardsFree4.9★ (322K)NoNoAug 2026
6Copilot: Track & Budget MoneyCopilot: Track & Budget MoneyFree4.8★ (30K)NoYesAug 2026
7iMobile: Loan, Cards & BankingiMobile: Loan, Cards & BankingFree4.8★ (66K)NoNoAug 2026
8NerdWallet: Smart Money AppNerdWallet: Smart Money AppFree4.8★ (124K)YesNoAug 2026

Top Picks for Empower Personal Finance

Empower ®#1

Empower ® by Empower Retirement, LLC

Plan, save, invest, retire
Editor's Choice
💰 Finance
4.8😞(400K ratings)
Free
#47in Finance
Empower ® screenshot 1
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Empower ® screenshot 4
Empower ® screenshot 5
Empower ® screenshot 6

This app provides a comprehensive financial overview, consolidating all your accounts in one place. It offers tools to plan for retirement, manage budgets, track net worth, and simulate financial scenarios, making financial management clearer and simpler.

What We Love

  • 👍 Good product overall
  • 🚀 Sleek design and robust performance
  • 🔒 Excellent customer service and support

Room to Improve

  • 🐛 Buggy and unreliable app
  • ⏱️ Slow loading times
  • 🤔 Missing key features and functionality
Beyond Finance#2

Beyond Finance by Beyond Finance Inc.

Strong Contender
💰 Finance
4.9😐(18K ratings)
Free
Beyond Finance screenshot 1
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Beyond Finance screenshot 4

Track your financial program's progress and view enrolled accounts. Connect with your Client Success Team for support and receive personalized financial tips to inspire your journey.

What We Love

  • 👍 Best finance help
  • 🙌 Exceptional service and customer support
  • 💰 Debt reduced substantially
  • 🤝 Helpful and friendly representatives

Room to Improve

  • 🚨 Negative impact on credit score
  • 💰 High fees and settlement costs
  • ⏱️ Slow progress in resolving debt
Upgrade - Mobile Banking#3

Upgrade - Mobile Banking by Upgrade, Inc.

Rewards Checking, Loans, Cards
Worth Considering
💰 Finance
4.9😐(80K ratings)
Free
Upgrade - Mobile Banking screenshot 1
Upgrade - Mobile Banking screenshot 2
Upgrade - Mobile Banking screenshot 3
Upgrade - Mobile Banking screenshot 4
Upgrade - Mobile Banking screenshot 5
Upgrade - Mobile Banking screenshot 6

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

What We Love

  • 🚀 Excellent, easy-to-use app
  • 🔒 Robust fraud prevention
  • 💰 Competitive interest rates and rewards
  • 👍 Seamless account management

Room to Improve

  • 🐛 Inconsistent account updates and transaction history
  • 🤔 Unclear policies around credit limit changes
  • ❌ Poor customer service and unresponsive to issues

More Empower Personal Finance apps to explore

4
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Bank, Budget & Build Credit
Free

This app offers instant cash advances up to $1,000 without interest or credit checks. It also automatically builds your credit with every purchase and provides AI-powered financial tools to optimize your money.

Instant cash advances up to $1,000Automatic credit building on every purchaseAI agents for job finding, deals, price comparison, and budgeting
💰 Finance
(31K)
free with in-app purchases
5
Self - Credit Builder & Cards
Self - Credit Builder & Cards
Self - Credit Builder & Cards
Build credit for a credit card
Free

Build your credit history and savings simultaneously with tools designed to improve your financial wellness. Access quick cash advances for unexpected expenses without a credit check. Report rent and utility payments to boost your score.

Build credit and savings togetherCash advances up to $100Secured Visa credit card with no credit check
💰 Finance
(322K)
free with in-app purchases
6
Copilot: Track & Budget Money
Copilot: Track & Budget Money
Copilot: Track & Budget Money
Spending, investing, net worth
Free

This app provides a clear and simple way to manage your finances. It offers smart tools for categorizing spending, budgeting, and tracking investments, all with bank-level security and personalized support. Reclaim control of your financial data with an intuitive interface.

AI-powered transaction categorizationAdaptive budgeting based on habitsSubscription tracking
💰 Finance
(30K)
subscription
7
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

This banking app provides over 400 services, including loans, savings accounts, fund transfers, and card management. It allows users to manage investments, make payments, recharge services, and book travel. Features include budgeting tools, rewards, and 24/7 chatbot assistance.

Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards
💰 Finance
(66K)
free
8
NerdWallet: Smart Money App
NerdWallet: Smart Money App
NerdWallet: Smart Money App
Track, Save & Invest
Free

This app helps you manage your finances by tracking spending, monitoring bills, and providing insights into your credit score and cash flow. It also offers opportunities to earn interest on cash, invest in Treasury Bills, and automate investments.

Track cash, investments, credit cards, loans, and propertyMonitor and cancel recurring bills and subscriptionsActionable financial insights on credit score and cash flow
💰 Finance
(124K)
free with in-app purchases
9
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Cash Advance, Credit Cards
Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
💰 Finance
(451K)
subscription
10
Albert: Budgeting and Banking
Albert: Budgeting and Banking
Albert: Budgeting and Banking
Organize. Budget. Save.
Free

Manage your finances with an all-in-one app for budgeting, saving, and investing. It offers 24/7 identity monitoring, high-yield savings accounts, and an AI financial assistant to help you organize your money.

Budgeting and expense trackingAutomatic savings and investing24/7 identity and account monitoring
💰 Finance
(324K)
subscription
11
MoneyLion: Banking & Cash Back
MoneyLion: Banking & Cash Back
MoneyLion: Banking & Cash Back
Cashback rewards & Loan Offers
Free

Access mobile banking, personal finance tools, and cash advances. Earn cashback rewards and explore loan offers. Build credit with a membership and get paid up to two days early with direct deposit.

Mobile banking with early direct depositCash advances up to $1000Cashback rewards on spending
💰 Finance
(320K)
free with in-app purchases
12
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
Borrow money, loans, advances
Free

Access quick cash advances and build your credit history with a loan that offers no late fees and flexible repayment options. Borrow up to $500 instantly, even with bad or no credit, and receive funds directly to your bank account.

Borrow up to $500 instantlyNo late or penalty feesPay over time in 4 installments
💰 Finance
(134K)
free with in-app purchases
13
Oportun: Savings & Loans
Oportun: Savings & Loans
Oportun: Savings & Loans
Build savings, track your loan
Free

This finance app helps you reach savings goals by automatically setting aside money based on your income and spending. It also allows existing loan members to easily manage their accounts and payments within the app.

Automated savings towards goalsPersonalized savings based on spendingPause or transfer savings anytime
💰 Finance
(289K)
subscription
14
Zogo: Learn and Earn
Zogo: Learn and Earn
Zogo: Learn and Earn
Learn How Finance Really Works
Free

This app makes learning about personal finance engaging and accessible. It breaks down complex financial topics into easy-to-understand modules, helping users improve their money management skills and financial literacy.

Financial literacy educationBite-sized learning modulesReal-life finance topics
📚 Education
(58K)
free with in-app purchases
15
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Money for moments that matter
Free

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

Check rate without credit score impactFast approvals and fundingPersonal loans up to $75,000
💰 Finance
(38K)
free
16
Brigit: Cash Advance & Credit
Brigit: Cash Advance & Credit
Brigit: Cash Advance & Credit
Get $25-$500* in Minutes
Free

Access fast cash advances, build credit history without a card, and manage your finances with smart budgeting tools. Get personalized loan offers, earn extra money, and protect your identity. Offers free financial insights and paid plans for enhanced features.

Instant cash advances up to $500Build credit history with on-time paymentsPersonal loan offers from partners
💰 Finance
(542K)
free with in-app purchases
17
Manage Personal Finance
Manage Personal Finance
Manage Personal Finance
by Future Tech USA LLC
Free
💰 Finance
(0)
18
Personal Finance Guide Plus
Personal Finance Guide Plus
Personal Finance Guide Plus
by corey hoggard
Free

This app offers guidance and tools to manage your personal finances. Learn to create budgets, plan for retirement and college, pay off debt, and build an emergency fund. It simplifies financial planning with an income-based calculation tool.

Financial planning tipsBudget creation toolRetirement planning
💰 Finance
(1)
free
19
SoLo Funds: Lend & Borrow
SoLo Funds: Lend & Borrow
SoLo Funds: Lend & Borrow
Loans On Your Terms
Free

Access funds up to $625 without credit checks or earn money by lending to others. This community finance platform offers a banking solution and AI-powered financial advice. It ensures no hidden fees and provides a safety net for its members.

Access up to $625 without credit checksEarn money by funding others' requestsAI-powered financial co-pilot (SoLo IQ)
💰 Finance
(39K)
free with in-app purchases
20
Thrive: Personal Finance
Thrive: Personal Finance
Thrive: Personal Finance
Your Finances, Made Simple.
Free
💰 Finance
(0)

FAQ about Empower Personal Finance

What are the best empower personal finance apps for iPhone?
Empower ® tops our empower personal finance apps ranking as of August 2026, with a 4.8-star average from 400K App Store ratings, and it's free to download.
Yes — 20 of the top empower personal finance apps we rank are free to download, including Empower ® and Beyond Finance.
Empower ® has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 249+ empower personal finance apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
The Empower app provides a consolidated view of all your financial accounts, helping you track your net worth, manage budgets, and plan for financial goals like retirement. It offers tools to simulate financial scenarios and provides access to professional investment advice.
Key features include seeing all your accounts in one place, planning for retirement, setting and tracking budgets, tackling debt, building an emergency fund, and simulating financial scenarios like recessions. It also offers data security through biometric and multi-factor authentication.